Pulaski Bank, NA Mortgage Lending & HMDA Data, 2011

In 2011, Pulaski Bank, NA of St Louis, MO reported 8,896 mortgage applications totaling $1.5 billion. The average application was for $169,732, and applicants reported an average income of $92,007. 83% of its applications resulted in an originated loan and 3% were denied. Its largest markets were St. Louis, MO-IL (5,178), Kansas City, MO-KS (2,889) and Wichita, KS (394) (applications in parentheses).

Mortgage Company & Address Pulaski Bank, NA
12300 Olive Blvd
St Louis, MO 63141
Tel #: available with data download
Federal Regulator * available with data download
Years 2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 8,896
Total Mortgage Loan Application Amount $1,509,939,000
Average Mortgage Loan Application Amount $169,732
Highest Mortgage Loan Application Amount $4,108,000
Average Applicant Income $92,007
Highest Applicant Income $2,370,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Pulaski Bank, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Pulaski Bank, NA by County in 2011

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
St. Louis, Missouri 2,522 $ 463,887,000 $ 183,936 $ 102,000
Johnson, Kansas 1,458 $ 296,607,000 $ 203,434 $ 106,000
St. Charles, Missouri 1,019 $ 164,013,000 $ 160,954 $ 86,000
Jackson, Missouri 707 $ 107,341,000 $ 151,826 $ 87,000
Jefferson, Missouri 622 $ 84,311,000 $ 135,548 $ 65,000
St. Louis City, Missouri 409 $ 57,207,000 $ 139,870 $ 79,000
Sedgwick, Kansas 350 $ 47,190,000 $ 134,828 $ 70,000
Madison, Illinois 280 $ 28,795,000 $ 102,839 $ 55,000
Cass, Missouri 246 $ 37,980,000 $ 154,390 $ 73,000
Clay, Missouri 149 $ 24,203,000 $ 162,436 $ 81,000
Platte, Missouri 99 $ 20,534,000 $ 207,414 $ 143,000
Wyandotte, Kansas 97 $ 12,103,000 $ 124,773 $ 68,000
St. Clair, Illinois 88 $ 15,156,000 $ 172,227 $ 69,000
Lincoln, Missouri 85 $ 11,084,000 $ 130,400 $ 62,000
Leavenworth, Kansas 43 $ 6,963,000 $ 161,930 $ 80,000
Miami, Kansas 40 $ 6,635,000 $ 165,875 $ 88,000
Butler, Kansas 39 $ 5,534,000 $ 141,897 $ 77,000
Franklin, Missouri 37 $ 5,402,000 $ 146,000 $ 76,000
Warren, Missouri 30 $ 4,661,000 $ 155,366 $ 91,000
Macoupin, Illinois 27 $ 3,011,000 $ 111,518 $ 62,000
Ste. Genevieve, Missouri 27 $ 3,205,000 $ 118,703 $ 56,000
Jersey, Illinois 26 $ 3,881,000 $ 149,269 $ 74,000
Camden, Missouri 22 $ 4,280,000 $ 194,545 $ 160,000
St. Francois, Missouri 21 $ 3,156,000 $ 150,285 $ 71,000
Douglas, Kansas 17 $ 2,662,000 $ 156,588 $ 96,000
Clinton, Illinois 16 $ 2,357,000 $ 147,312 $ 71,000
Franklin, Kansas 16 $ 2,886,000 $ 180,375 $ 79,000
Platte, Nebraska 16 $ 2,260,000 $ 141,250 $ 69,000
Lafayette, Missouri 14 $ 2,543,000 $ 181,642 $ 83,000
Maricopa, Arizona 13 $ 4,608,000 $ 354,461 $ 211,000
Johnson, Missouri 11 $ 2,023,000 $ 183,909 $ 78,000
Cook, Illinois 10 $ 3,821,000 $ 382,100 $ 324,000
Monroe, Illinois 10 $ 2,083,000 $ 208,300 $ 101,000
Morgan, Missouri 9 $ 1,344,000 $ 149,333 $ 134,000
Carroll, Missouri 8 $ 686,000 $ 85,750 $ 40,000
Ray, Missouri 8 $ 418,000 $ 52,250 $ 45,000
Crawford, Kansas 6 $ 640,000 $ 106,666 $ 55,000
Benton, Arkansas 5 $ 1,474,000 $ 294,800 $ 156,000
Polk, Iowa 5 $ 774,000 $ 154,800 $ 62,000
Harvey, Kansas 5 $ 697,000 $ 139,400 $ 68,000
Jefferson, Kansas 5 $ 646,000 $ 129,200 $ 49,000
Shawnee, Kansas 5 $ 1,082,000 $ 216,400 $ 102,000
Bates, Missouri 5 $ 567,000 $ 113,400 $ 67,000
Cape Girardeau, Missouri 5 $ 706,000 $ 141,200 $ 73,000
Marion, Missouri 5 $ 749,000 $ 149,800 $ 64,000
Washington, Missouri 5 $ 497,000 $ 99,400 $ 68,000
Pima, Arizona 4 $ 819,000 $ 204,750 $ 252,000
Los Angeles, California 4 $ 2,087,000 $ 521,750 $ 796,000
Lee, Florida 4 $ 788,000 $ 197,000 $ 135,000
Linn, Kansas 4 $ 413,000 $ 103,250 $ 75,000
Boone, Missouri 4 $ 520,000 $ 130,000 $ 64,000
Gasconade, Missouri 4 $ 384,000 $ 96,000 $ 31,000
Madison, Missouri 4 $ 523,000 $ 130,750 $ 99,000
Dallas, Texas 4 $ 1,237,000 $ 309,250 $ 108,000
El Paso, Colorado 3 $ 743,000 $ 247,666 $ 59,000
Broward, Florida 3 $ 1,119,000 $ 373,000 $ 179,000
Orange, Florida 3 $ 802,000 $ 267,333 $ 209,000
Fulton, Georgia 3 $ 741,000 $ 247,000 $ 111,000
Greene, Illinois 3 $ 176,000 $ 58,666 $ 31,000
Geary, Kansas 3 $ 559,000 $ 186,333 $ 68,000
Hennepin, Minnesota 3 $ 833,000 $ 277,666 $ 118,000
Buchanan, Missouri 3 $ 480,000 $ 160,000 $ 149,000
Clinton, Missouri 3 $ 333,000 $ 111,000 $ 61,000
Cole, Missouri 3 $ 443,000 $ 147,666 $ 82,000
Miller, Missouri 3 $ 880,000 $ 293,333 $ 219,000
Perry, Missouri 3 $ 319,000 $ 106,333 $ 188,000
Stone, Missouri 3 $ 551,000 $ 183,666 $ 187,000
Taney, Missouri 3 $ 790,000 $ 263,333 $ 619,000
Union, New Jersey 3 $ 991,000 $ 330,333 $ 238,000
Boulder, Colorado 2 $ 596,000 $ 298,000 $ 135,000
Douglas, Colorado 2 $ 255,000 $ 127,500 $ 123,000
Jefferson, Colorado 2 $ 490,000 $ 245,000 $ 190,000
Larimer, Colorado 2 $ 636,000 $ 318,000 $ 85,000
Palm Beach, Florida 2 $ 688,000 $ 344,000 $ 212,000
Sumter, Florida 2 $ 602,000 $ 301,000 $ 258,000
Chatham, Georgia 2 $ 371,000 $ 185,500 $ 157,000
Champaign, Illinois 2 $ 528,000 $ 264,000 $ 175,000
McLean, Illinois 2 $ 400,000 $ 200,000 $ 116,000
Williamson, Illinois 2 $ 292,000 $ 146,000 $ 153,000
Barton, Kansas 2 $ 462,000 $ 231,000 $ 167,000
Sherman, Kansas 2 $ 305,000 $ 152,500 $ 34,000
Blue Earth, Minnesota 2 $ 678,000 $ 339,000 $ 99,000
Crawford, Missouri 2 $ 298,000 $ 149,000 $ 71,000
Maries, Missouri 2 $ 72,000 $ 36,000 $ 23,000
Monroe, Missouri 2 $ 187,000 $ 93,500 $ 93,000
Montgomery, Missouri 2 $ 157,000 $ 78,500 $ 115,000
Phelps, Missouri 2 $ 153,000 $ 76,500 $ 54,000
Pike, Missouri 2 $ 222,000 $ 111,000 $ 95,000
Wayne, Missouri 2 $ 185,000 $ 92,500 $ 136,000
Suffolk, New York 2 $ 893,000 $ 446,500 $ 193,000
Wake, North Carolina 2 $ 1,027,000 $ 513,500 $ 261,000
Cleveland, Oklahoma 2 $ 394,000 $ 197,000 $ 89,000
Tulsa, Oklahoma 2 $ 447,000 $ 223,500 $ 90,000
Lackawanna, Pennsylvania 2 $ 632,000 $ 316,000 $ 163,000
Davidson, Tennessee 2 $ 541,000 $ 270,500 $ 149,000
Williamson, Tennessee 2 $ 618,000 $ 309,000 $ 109,000
Collin, Texas 2 $ 294,000 $ 147,000 $ 102,000
Harris, Texas 2 $ 300,000 $ 150,000 $ 43,000
Montgomery, Texas 2 $ 285,000 $ 142,500 $ 126,000
Tarrant, Texas 2 $ 475,000 $ 237,500 $ 153,000
Fairfax City, Virginia 2 $ 250,000 $ 125,000 $ 47,000
Pierce, Washington 2 $ 361,000 $ 180,500 $ 94,000
Dane, Wisconsin 2 $ 498,000 $ 249,000 $ 344,000
Milwaukee, Wisconsin 2 $ 372,000 $ 186,000 $ 215,000
Baldwin, Alabama 1 $ 158,000 $ 158,000 $ 100,000
Coffee, Alabama 1 $ 42,000 $ 42,000 $ 64,000
Madison, Alabama 1 $ 348,000 $ 348,000 $ 88,000
Coconino, Arizona 1 $ 286,000 $ 286,000 $ 128,000
Riverside, California 1 $ 148,000 $ 148,000 $ 55,000
Solano, California 1 $ 253,000 $ 253,000 $ 132,000
Arapahoe, Colorado 1 $ 279,000 $ 279,000 $ 106,000
Broomfield, Colorado 1 $ 417,000 $ 417,000 $ 168,000
Eagle, Colorado 1 $ 1,238,000 $ 1,238,000 $ 780,000
Pitkin, Colorado 1 $ 3,000,000 $ 3,000,000 $ 0
Pueblo, Colorado 1 $ 224,000 $ 224,000 $ 144,000
Fairfield, Connecticut 1 $ 377,000 $ 377,000 $ 190,000
Collier, Florida 1 $ 400,000 $ 400,000 $ 332,000
Hillsborough, Florida 1 $ 118,000 $ 118,000 $ 83,000
Manatee, Florida 1 $ 232,000 $ 232,000 $ 53,000
Miami-Dade, Florida 1 $ 349,000 $ 349,000 $ 130,000
Okaloosa, Florida 1 $ 280,000 $ 280,000 $ 92,000
Walton, Florida 1 $ 235,000 $ 235,000 $ 0
Cherokee, Georgia 1 $ 209,000 $ 209,000 $ 99,000
Cobb, Georgia 1 $ 140,000 $ 140,000 $ 141,000
Forsyth, Georgia 1 $ 304,000 $ 304,000 $ 93,000
Bond, Illinois 1 $ 51,000 $ 51,000 $ 40,000
Calhoun, Illinois 1 $ 114,000 $ 114,000 $ 38,000
Clay, Illinois 1 $ 122,000 $ 122,000 $ 85,000
Knox, Illinois 1 $ 155,000 $ 155,000 $ 75,000
Macon, Illinois 1 $ 305,000 $ 305,000 $ 153,000
Randolph, Illinois 1 $ 205,000 $ 205,000 $ 85,000
Washington, Illinois 1 $ 67,000 $ 67,000 $ 36,000
Floyd, Indiana 1 $ 278,000 $ 278,000 $ 152,000
Hamilton, Indiana 1 $ 417,000 $ 417,000 $ 0
Lake, Indiana 1 $ 138,000 $ 138,000 $ 64,000
Vanderburgh, Indiana 1 $ 198,000 $ 198,000 $ 177,000
Dubuque, Iowa 1 $ 121,000 $ 121,000 $ 64,000
Johnson, Iowa 1 $ 104,000 $ 104,000 $ 42,000
Anderson, Kansas 1 $ 83,000 $ 83,000 $ 32,000
Coffey, Kansas 1 $ 68,000 $ 68,000 $ 51,000
Cowley, Kansas 1 $ 61,000 $ 61,000 $ 29,000
Ford, Kansas 1 $ 73,000 $ 73,000 $ 71,000
Greenwood, Kansas 1 $ 81,000 $ 81,000 $ 26,000
Neosho, Kansas 1 $ 131,000 $ 131,000 $ 62,000
Riley, Kansas 1 $ 157,000 $ 157,000 $ 120,000
Saline, Kansas 1 $ 137,000 $ 137,000 $ 91,000
Wabaunsee, Kansas 1 $ 181,000 $ 181,000 $ 64,000
Trigg, Kentucky 1 $ 170,000 $ 170,000 $ 255,000
Lincoln, Maine 1 $ 417,000 $ 417,000 $ 689,000
Worcester, Massachusetts 1 $ 415,000 $ 415,000 $ 125,000
Allegan, Michigan 1 $ 204,000 $ 204,000 $ 144,000
Ingham, Michigan 1 $ 129,000 $ 129,000 $ 112,000
Mason, Michigan 1 $ 149,000 $ 149,000 $ 113,000
Muskegon, Michigan 1 $ 105,000 $ 105,000 $ 68,000
Ottawa, Michigan 1 $ 417,000 $ 417,000 $ 160,000
Carver, Minnesota 1 $ 208,000 $ 208,000 $ 203,000
Cass, Minnesota 1 $ 165,000 $ 165,000 $ 123,000
Crow Wing, Minnesota 1 $ 114,000 $ 114,000 $ 185,000
Mower, Minnesota 1 $ 136,000 $ 136,000 $ 133,000
Ramsey, Minnesota 1 $ 299,000 $ 299,000 $ 183,000
Audrain, Missouri 1 $ 325,000 $ 325,000 $ 225,000
Benton, Missouri 1 $ 115,000 $ 115,000 $ 54,000
Christian, Missouri 1 $ 77,000 $ 77,000 $ 43,000
Daviess, Missouri 1 $ 331,000 $ 331,000 $ 218,000
Henry, Missouri 1 $ 191,000 $ 191,000 $ 87,000
Hickory, Missouri 1 $ 113,000 $ 113,000 $ 50,000
Iron, Missouri 1 $ 68,000 $ 68,000 $ 88,000
Newton, Missouri 1 $ 92,000 $ 92,000 $ 57,000
Polk, Missouri 1 $ 165,000 $ 165,000 $ 288,000
Randolph, Missouri 1 $ 68,000 $ 68,000 $ 39,000
Reynolds, Missouri 1 $ 86,000 $ 86,000 $ 33,000
Shannon, Missouri 1 $ 158,000 $ 158,000 $ 77,000
Texas, Missouri 1 $ 85,000 $ 85,000 $ 21,000
Chouteau, Montana 1 $ 158,000 $ 158,000 $ 618,000
Jefferson, Montana 1 $ 195,000 $ 195,000 $ 90,000
Douglas, Nebraska 1 $ 414,000 $ 414,000 $ 134,000
Sarpy, Nebraska 1 $ 265,000 $ 265,000 $ 109,000
Grafton, New Hampshire 1 $ 376,000 $ 376,000 $ 147,000
Hillsborough, New Hampshire 1 $ 287,000 $ 287,000 $ 144,000
Essex, New Jersey 1 $ 148,000 $ 148,000 $ 69,000
Hunterdon, New Jersey 1 $ 249,000 $ 249,000 $ 179,000
Mercer, New Jersey 1 $ 368,000 $ 368,000 $ 243,000
Guilford, North Carolina 1 $ 175,000 $ 175,000 $ 85,000
Nash, North Carolina 1 $ 115,000 $ 115,000 $ 85,000
Onslow, North Carolina 1 $ 146,000 $ 146,000 $ 81,000
Wilson, North Carolina 1 $ 115,000 $ 115,000 $ 85,000
Delaware, Ohio 1 $ 154,000 $ 154,000 $ 0
Greene, Ohio 1 $ 124,000 $ 124,000 $ 0
Hamilton, Ohio 1 $ 47,000 $ 47,000 $ 30,000
Canadian, Oklahoma 1 $ 219,000 $ 219,000 $ 130,000
Craig, Oklahoma 1 $ 172,000 $ 172,000 $ 115,000
Oklahoma, Oklahoma 1 $ 193,000 $ 193,000 $ 64,000
Washington, Oklahoma 1 $ 209,000 $ 209,000 $ 102,000
Clackamas, Oregon 1 $ 99,000 $ 99,000 $ 87,000
Jackson, Oregon 1 $ 330,000 $ 330,000 $ 91,000
Marion, Oregon 1 $ 62,000 $ 62,000 $ 104,000
Multnomah, Oregon 1 $ 195,000 $ 195,000 $ 79,000
Bucks, Pennsylvania 1 $ 357,000 $ 357,000 $ 130,000
Montgomery, Pennsylvania 1 $ 407,000 $ 407,000 $ 104,000
Colleton, South Carolina 1 $ 401,000 $ 401,000 $ 170,000
Richland, South Carolina 1 $ 173,000 $ 173,000 $ 0
Sumner, Tennessee 1 $ 342,000 $ 342,000 $ 313,000
Lubbock, Texas 1 $ 513,000 $ 513,000 $ 195,000
Randall, Texas 1 $ 203,000 $ 203,000 $ 111,000
Williamson, Texas 1 $ 202,000 $ 202,000 $ 85,000
Fairfax, Virginia 1 $ 503,000 $ 503,000 $ 0
Norfolk, Virginia 1 $ 145,000 $ 145,000 $ 152,000
Grays Harbor, Washington 1 $ 115,000 $ 115,000 $ 69,000
Snohomish, Washington 1 $ 235,000 $ 235,000 $ 132,000
Pocahontas, West Virginia 1 $ 61,000 $ 61,000 $ 35,000
Door, Wisconsin 1 $ 224,000 $ 224,000 $ 273,000

Mortgage Loan Application Detail Totals for Pulaski Bank, NA in 2011

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 5,083 $744,844,000 $146,000 $1,496,000 $77,000 $2,191,000
Refinancing 3,803 $763,411,000 $200,000 $4,108,000 $112,000 $2,370,000
Home Improvement 10 $1,684,000 $168,000 $413,000 $117,000 $155,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 7,698 $1,314,506,000 $170,000 $1,496,000 $93,000 $2,370,000
Not Provided 496 $90,123,000 $181,000 $3,000,000 $94,000 $1,017,000
Black or African American 348 $38,591,000 $110,000 $417,000 $57,000 $621,000
Asian 177 $34,606,000 $195,000 $612,000 $120,000 $864,000
Hispanic 134 $19,347,000 $144,000 $525,000 $69,000 $265,000
Not applicable 23 $9,608,000 $417,000 $4,108,000 $0 $0
American Indian or Alaskan Native 13 $2,174,000 $167,000 $284,000 $83,000 $157,000
Native Hawaiian or Other Pacific Islander 7 $984,000 $140,000 $400,000 $96,000 $155,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 6,058 $1,119,513,000 $184,000 $4,108,000 $108,000 $2,370,000
FHA-insured (Federal Housing Administration) 2,087 $275,245,000 $131,000 $500,000 $58,000 $578,000
VA-guaranteed (Veterans Administration) 449 $79,457,000 $176,000 $584,000 $63,000 $368,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 302 $35,724,000 $118,000 $306,000 $44,000 $106,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 7,413 $1,251,786,000 $168,000 $4,108,000 $92,000 $2,191,000
Application Withdrawn By Applicant 836 $148,613,000 $177,000 $1,418,000 $95,000 $1,212,000
Application Denied By Financial Institution 262 $39,962,000 $152,000 $1,450,000 $89,000 $2,370,000
Application Approved But Not Accepted 235 $40,047,000 $170,000 $870,000 $91,000 $864,000
File Closed For Incompleteness 150 $29,531,000 $196,000 $1,285,000 $107,000 $864,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Debt-To-Income Ratio 71 $11,199,000 $157,000 $417,000 $60,000 $412,000
Collateral 68 $10,503,000 $154,000 $563,000 $102,000 $366,000
Credit History 47 $7,404,000 $157,000 $1,145,000 $128,000 $2,370,000
Other 43 $7,338,000 $170,000 $1,450,000 $82,000 $500,000
Employment History 13 $1,085,000 $83,000 $162,000 $55,000 $253,000
Insufficient Cash (Downpayment, Closing Cost) 10 $1,038,000 $103,000 $187,000 $72,000 $180,000
Unverifiable Information 10 $1,395,000 $139,000 $272,000 $100,000 $390,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Pulaski Bank, NA's 2011 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Pulaski Bank, NA's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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